Every paycheck gets a plan before it’s spent.
Income with Intent splits each paycheck the moment it’s due: bills first, then a safety cushion, then your goals, then what’s left to spend. You see why each amount is there, and nothing changes until you approve it.
Coming soon to iPhone, Android and Windows. Now in testing.
Want to try it early? Email support@incomewithintent.com.
Friday’s paycheck
$2,140
- Bills due before next paydayRent, phone, car insurance$1,085
- Safety cushionKeeps a minimum in checking$150
- GoalsEmergency fund, trip in June$420
- SpendingGroceries, gas, fun$485
How a plan is made
The same order every time, so you always know where your money is going and why.
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Bills come first
Everything due before your next paycheck is covered, including minimum debt payments. Each bill has its due day, so nothing sneaks up on you.
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Then a safety check
Pending charges and a minimum cash cushion are set aside, so a slow week doesn’t leave you short.
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Then your goals
Emergency savings, paying down debt, a trip, a new laptop. You see how much each paycheck moves you toward them.
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Then what’s yours to spend
Whatever is left is spending money you don’t have to feel guilty about.
You approve every plan. The app suggests; you decide. Change any amount before you approve it.
No pretend budgets. If a paycheck doesn’t cover everything, the app shows the shortfall instead of hiding it, so you can decide what gives.
Free to plan. Pro when you want it automatic.
Free
- Paycheck plans and a monthly plan
- Bills with due days, and payday reminders
- Goals with progress
- Debt payoff plan
- Import transactions from your bank statements
Pro
Everything in Free, plus:
- Connect your bank so transactions come in on their own
- AI explanations and suggested plans for each paycheck and month
- A “you were paid” alert the moment your paycheck lands
Monthly or yearly. Cancel anytime in your app store account.
Your money stays where it is
It never moves money
Income with Intent is a planning app, not a bank. It can’t send, transfer or hold money. Amounts in a plan are a plan, not a payment.
Bank connections are read-only
With Pro, you connect through Plaid. We see balances and transactions, never your bank password.
No ads, no tracking
We don’t sell your information, show ads, or use tracking tools, on this site or in the app.
Delete anytime
Delete your account from the Accounts tab in the app. Your data and bank connections are removed. You can also email us to ask.